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$41,000 would remain if I paid about $720,000 for the 4-bed new-build flat in San Francisco. That figure looks reasonable on paper, but it has to cover the move, any urgent inspection findings and the costs that arrive soon after completion. I’m trying to decide how much should be completely...

Getting the offer wrong could either end the negotiation early or leave me paying too much without adequate protection. I’m considering a San Francisco villa at $185,000 that has been listed for 45 days and needs updating. An 8% reduction would put my opening figure at about $170,200, but...